VAPT for Fintech Applications
Indian fintechs ship UPI, wallet, lending, BNPL and PA/PG features under intense regulatory pressure. Digital Defense delivers VAPT engagements that mirror how NPCI, RBI and your acquiring bank actually review your stack — covering the issuer SDK, switch, settlement, KYC/CKYC, video-KYC, IPA, and the underlying Kubernetes / micro-service surface.
Who needs this
PA/PGs preparing for RBI Payment Aggregator/Payment Gateway re-authorization
Lending apps, BNPL and DLG partners under RBI DLG / Digital Lending Guidelines
UPI 3rd-party apps (TPAP) and NPCI sandbox integrators
Account aggregator (AA), FIU and Account Information Provider (AIP) entities
Banking-as-a-Service platforms and embedded-finance SDK providers
Problems we solve
- 01
Acquirer banks rejecting VAPT reports that don't cover OWASP ASVS + payment-specific test cases (UPI intent, deep-link tampering, replay, settlement race conditions)
- 02
Repeated NPCI sandbox failures around session re-binding, device-binding and one-time tokens
- 03
RBI DPSS inspection findings on transaction integrity, log integrity and segregation of duties
- 04
Mobile apps failing CERT-In audit because root/jailbreak detection, certificate pinning, in-app keyboards or SSL chain handling is weak
- 05
Lack of authenticated test coverage on dealer/merchant onboarding APIs and reconciliation endpoints
Our methodology
- 1
Scope & threat-model
Inventory of all payment flows, integrations (NPCI, RBI, BBPS, Bharat QR), trust boundaries, money-movement paths.
- 2
Authenticated VAPT
Web, mobile, API and integration testing aligned to OWASP ASVS Level 2/3, MASVS, OWASP API Top 10 and CERT-In ISA guidelines.
- 3
Payment-specific tests
UPI intent tampering, deep-link / Android exported-activity abuse, idempotency-key replay, settlement race, BIN/PAN exposure, KYC bypass.
- 4
Cloud + DevSecOps review
AWS/Azure misconfig review, IAM least-privilege, secrets-manager checks, CI/CD supply-chain integrity, SBOM verification.
- 5
Reporting & evidence
CERT-In compliant VAPT report with CVSS, exploit proof, fix guidance and a sign-off letter accepted by RBI, NPCI and acquiring banks.
- 6
Re-test & closure
Free re-test within 30 days, closure letter and quarterly retainer for high-velocity teams.
What you receive
Executive summary + technical VAPT report (CERT-In accepted)
CVSS-scored vulnerability list with exploit walkthroughs
Fix guidance (code-level + infra) and PR-ready snippets
CERT-In Empanelled auditor sign-off letter (one-page certificate)
30-day free re-test and closure letter
Frequently asked questions
Do you cover UPI 3rd-party app testing (TPAP)?
Yes — including intent-tampering, deep-link abuse, NPCI sandbox compliance, OTP/device-binding, transaction race and settlement-flow testing.
Is your VAPT report accepted by RBI and acquiring banks?
Yes. As a CERT-In Empanelled auditor, our VAPT reports are accepted by RBI inspections, NPCI sandbox certification and all major Indian acquiring banks.
How long does a fintech VAPT engagement take?
Typical web + Android + iOS + API engagement: 3-4 weeks of testing, 1 week of reporting, plus a 30-day re-test window. Larger PA/PG stacks: 6-8 weeks.
Do you provide quarterly retainers?
Yes — high-velocity fintechs typically run quarterly VAPT sprints covering all delta changes, new flows and supplier endpoints. We also do CI/CD integrated DAST + SAST.
Can you help us pass the RBI PA/PG re-authorization audit?
Yes. We provide pre-audit gap assessment, CERT-In VAPT report, system audit report, IT general controls audit and BCP/DR review — the full RBI Payment Aggregator authorization scope.
Ready to scope this engagement?
Talk to Digital Defense — India's CERT-In Empanelled cybersecurity team.
Book a consultation